Dental Financing at Country Dental Clinics

At Country Dental, we are not only excited to have three dental clinic location in Fergus Ontario, but we are also pleased to offer PayBright dental financing (formerly HealthSmart Financial Services).

This partnership allows us to offer affordable financing to our dental patients in the Greater Toronto Area.

If you do not have private dental insurance coverage through your place of work, then here are four reasons to consider PayBright financing, which will help offset the cost of dental treatments:

  1. Easy Application Process
  2. Quick Approval
  3. No Waiting Period
  4. Low Dental Insurance Rates

How Does PayBright Work?

Easy to Apply

Compared to other insurances or dental payment plans you may have signed up for in the past, PayBright dental financing makes it easy to apply online for dental health coverage. Apply at your leisure at any time. Simply fill out basic personal and employment information and submit the form online and we take care of the rest.

Instant Online or In-Clinic Approval

With PayBright dental financing through Country Dental, there is no waiting to find out if you are approved or not. Your dental insurance application is assessed immediately, and PayBright Financial Services offers instant approval both online and through the in-clinic financing application.

No Waiting Period – Begin Dental Treatment Today

Unlike other dental insurance plans, once you choose your payment plan and you are approved, you can start your dental treatment the very same day; there’s no need to wait.

Excellent Dental Insurance Rates

Throughout the entire process, from application to approval and usage of PayBright financing, there is no obligation and no commitment necessary. Other borrower benefits include:

  • Excellent, affordable dental insurance rates
  • Low monthly or semi-monthly dental payment plans
  • Renewable credit limit (valid for one year that you and your family can use)
  • Accelerated payment options
  • Pay early with no penalty

If you have been delaying a dental procedure for financial reasons such as a root canal, bridge, crown, or even a simple filling, there’s no reason to wait any longer! Sign up for PayBright dental financing, then contact one of our Country Dental clinics and bring your smile back to full health.

Contact Us About PayBright Financing

Book an appointment today and ask us about affordable dental insurance coverage today. Visit the PayBright FAQ page to learn more about this service.

If you wish to speak with someone about PayBright financing, call a Country Dental clinic near you…we serve the Greater Toronto Area:

Fergus – 519-787-7878


PayBright FAQ

What is PayBright?

As a payment provider, PayBright has over 7,000 participating Canadian merchants, including dental offices. PayBright will allow you to break down the cost of your dental work into affordable monthly or biweekly payments.

How much interest does PayBright charge?

PayBright interest rates may vary from 0% to the annual percentage rate of 29.95%, depending on the participating merchant. If you qualify, Country Dental can offer low monthly, bi-monthly, and accelerated payment options with low or 0% interest.

How to qualify for PayBright?

To qualify for PayBright dental financing you must be a Canadian resident over 18 years of age with a valid credit history and a valid credit/debit card (Canadian Visa or Mastercard).

Does PayBright run a credit check?

For monthly payment plans, PayBright will do an instant credit check, however, if you pre-qualify or if you have a PayBright Virtual Card or want the Pay in 4 payment plan, a credit check is not required.

Does PayBright affect your credit score in Canada?

PayBright will do an instant soft credit check, which does not affect your credit score. However, your credit score can be affected if you miss any payments.

How does PayBright work?

After applying for PayBright dental financing, PayBright will first confirm your identity and payment option plus conduct an instant soft credit check. You have the option to break down the dental cost into bi-weekly or monthly installments. Once the payment plan has been approved and PayBright receives your plan confirmation, you will be granted instant credit. The funds will be paid directly to your dentist, and you will be billed according to your chosen plan until the loan has been paid in full.

Can you pay off PayBright early?

With PayBright, there are no penalties and no early repayment fees if you chose to pay off your balance early. In some cases, early repayment can also mean 0% interest.

What type of dental work will PayBright cover?

PayBright dental financing has a high approval rate for many types of dental surgeries and procedures including among others, dental fillings, crowns, Invisalign braces, dental implants, veneers, and teeth whitening.

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